[Remote] Senior Product Manager, Homeowners - MSI

Note: The job is a remote job and is open to candidates in USA. The Baldwin Group is a leading managing general agent (MGA) specializing in innovative insurance solutions. They are seeking a Senior Product Manager to lead the launch of new products and manage operations within the homeowners insurance sector, collaborating across various teams to drive critical initiatives and ensure compliance with regulatory standards.

Responsibilities

• Manage P&L results within assigned Region, states, and product lines; ensure rate adequacy and appropriate CAT exposure management
• Build and launch new products and work with State departments to unsure approval
• Own and drive the rate and rule revision process end-to-end: confirming scope and timelines, preparing regulatory filings, coordinating with vendors, responding to regulator inquiries, and implementing approved changes
• Conceptualize and bring new initiatives to market in support of growth and profit goals, including new products, coverages, endorsements, and geographies
• Partner with Actuarial and Analytics teams to apply quantitative techniques to assess state-level profitability, uncover opportunities, and make recommendations for improvement
• Review competitor filings, rate algorithms, and underwriting guidelines, along with industry and regulatory developments, to inform product launches and enhancements
• Implement underwriting rules as directed at achieving business goals
• Provide thought leadership to Segment Leaders to help refine go-to-market strategies and product positioning
• Set and maintain clear priorities across competing product initiatives to execution sequencing that reflects business impact
• Provide mentorship and coaching to junior team members to build organizational capability

Skills

• 8+ years of P&C insurance experience, with deep expertise in personal homeowner's product management
• Demonstrated P&L ownership across multiple states and product lines, including ratemaking, underwriting, product design, and regulatory affairs
• Track record of launching new products, coverages, or endorsements, or entering new territories
• Intermediate to advanced proficiency in Microsoft Excel; ability to perform hands-on quantitative analysis
• Familiarity with E&S property products in addition to admitted homeowners
• Experience in the California admitted homeowners' markets
• Experience with SQL, SAS, R, Python, Tableau, or other data query and programming tools
• Master's degree in business, Insurance, or Actuarial Science, or a relevant professional designation

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